Outside IR35 Calculator
Free & Accurate Take-Home 2025/26
Calculate your outside IR35 take-home pay through a limited company for 2025/26. Enter your day rate with or without commas. Includes salary, dividends, corporation tax and automatic comparison against inside IR35.
| Gross contract income | — |
| Director salary | — |
| Employer NI on salary | — |
| Business expenses | — |
| Pension contribution | — |
| Taxable profit | — |
| Corporation tax | — |
| Available for dividends | — |
| Salary income tax + NI | — |
| Net salary received | — |
| Dividends taken | — |
| Dividend tax | — |
| Total take-home | — |
Free Outside IR35 Calculator — 2025/26 Take-Home Pay
Our free outside IR35 calculator shows your exact take-home pay as a UK contractor working outside IR35 through a limited company in 2025/26. This outside IR35 calculator is more detailed than most tools — it shows the full company and personal tax flow, including corporation tax, employer NI on your salary, and dividend tax. It also automatically compares your result against inside IR35 so you can see the exact cost of your IR35 status in pounds per year.
📊 How to use this outside IR35 calculator
Enter your day rate and working days (220 is typical). Set your director salary — usually £12,570 to use the personal allowance efficiently. Enter your annual expenses and optional pension contribution. The outside IR35 calculator then shows your complete tax flow and your final annual and monthly take-home pay in 2025/26.
Outside IR35 vs Inside IR35 — 2025/26 Comparison
| At £500/day × 220 days | Outside IR35 | Inside IR35 |
|---|---|---|
| Employer NI deducted | ~£1,135 (salary only) | ~£15,750 (all income) |
| Tax treatment | Salary + dividends | Deemed employment income |
| Approximate take-home | ~£73,000–£77,000 | ~£61,000–£64,000 |
| Annual saving (outside IR35) | ~£10,000–£15,000 in your favour | |
⚠ Always confirm IR35 status before starting a contract
Working outside IR35 when you should be inside can result in back taxes, penalties and interest from HMRC. Always have your contract reviewed by a specialist. Use the HMRC CEST tool as a starting point, and supplement with professional advice.
How to Maximise Your Outside IR35 Take-Home Pay
Set salary at the personal allowance
Paying yourself £12,570 means no income tax on the salary, the cost reduces your corporation tax bill, and employer NI applies only on the portion above £5,000 — just £1,135. This is almost always the most efficient salary level for an outside IR35 contractor.
Employer pension contributions
Company contributions to a director's pension reduce your taxable profit pound for pound — saving 19–25% in corporation tax. A £10,000 pension contribution at 25% corporation tax saves £2,500. Enter a pension amount in the outside IR35 calculator above to model this.
For a full side-by-side comparison of outside IR35 vs inside IR35 at your day rate, use our IR35 calculator. For umbrella company figures, use our umbrella company calculator.